$500
12%
10 yrs
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Calculate the future value of your monthly SIP (Systematic Investment Plan) — and see year-by-year how your invested amount and returns grow over time.
SIP Calculator · compounding systematic returns calculations · 100% private
Monthly investment amount, expected annual return rate, and investment duration in years.
Total amount invested, total returns earned, and final corpus value at the end of the period.
A table shows invested amount and corpus value at the end of each year, making the compounding progression visible.
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly — typically monthly — into a mutual fund or investment instrument. The amount is automatically debited each month and units are purchased at the prevailing NAV. SIPs benefit from rupee-cost averaging (buying more units when prices are low and fewer when prices are high) and the compounding of returns over time.
SIP returns use the future value of a regular annuity formula: FV = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P is the monthly investment, r is the monthly return rate (annual rate ÷ 12 ÷ 100), and n is the number of months. This assumes a constant return rate — actual mutual fund returns vary month to month.
For equity mutual funds (India), a common long-term average projection is 10–12% per annum. For debt funds, 6–8%. For balanced/hybrid funds, 8–10%. These are estimates based on historical averages — actual future returns may be higher or lower. Mutual fund investments are subject to market risk.
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A SIP calculator answers the most important questions about regular investing: how much will my monthly investment be worth in 10, 15, or 20 years? How much of that is my own money and how much is returns? At what point does the return component exceed the invested amount? The year-by-year table in this calculator makes the compounding progression visual — the early years look slow, but the later years show exponential acceleration as returns compound on an ever-larger base. This is the most important concept in long-term wealth building, and seeing it concretely changes how most people think about starting early vs. investing more later.
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